Coronavirus (COVID‑19)

Information for Insureds Life and Disability Insurance

Updated: March 28, 2022 at 2:00 p.m.

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You have life or disability insurance coverage.

Are disability insurance claims related to COVID-19 covered by short-term disability?

Yes, if you have a group insurance plan that includes disability; however, you must meet the requirements under your contract.

On disability and tested positive

If you have been diagnosed with COVID-19 (tested positive for COVID-19) and are disabled (unable to perform the main functions of your job, including if you are working from home), you are eligible for short-term benefits. SSQ Insurance will apply the customary waiting period stipulated in your contract.

On disability, but not tested

If you have symptoms, have not been tested for COVID-19 and are disabled (unable to perform the main functions of your job, including if you are working from home), you are eligible for short-term benefits. SSQ Insurance will apply the customary waiting period stipulated in your contract.

In preventive quarantine

If you are quarantined as a preventive measure, you are not eligible for short-term disability coverage; in this case you must refer to Employment Insurance.

If it isn’t possible to see a healthcare professional because of symptoms consistent with a positive COVID-19 diagnosis or a confirmed diagnosis, how can I submit a new disability insurance claim?

If you cannot have your physician complete the attending physician statement in the disability claim form, you can fill out the form below.

SSQ Insurance will continue to require the initial statement from the employer and employee.

Please note that SSQ Insurance may request further medical information based on the answers provided in this form (including the result of a PCR test or rapid COVID-19 test).

If I have to go on disability leave as a result of COVID-19 vaccination complications, am I covered?

Yes, if after COVID-19 vaccination complications cause you to go on disability leave, in accordance with the disability definition stipulated in the insurance contract, benefits will be paid.

Will SSQ Insurance cover death if it results from a possible complication following COVID-19 vaccination?

Yes, SSQ Insurance will pay the death benefit to the rightful claimant if the death results from a possible complication following COVID-19 vaccination, in accordance with the terms and conditions of the insurance contract.